The song "2040" by Lil Baby & Lil Durk explores themes of success, wealth, loyalty, and determination. The lyrics depict the artists reflecting on their rise to fame and the impact it has had on their lives.

In the first verse, Lil Baby talks about his newfound success and the materialistic pleasures that come with it. He mentions making money from various sources like stocks and highlights his expensive possessions like a Lamborghini truck. The lyrics suggest that he has grown more serious and focused on his career and financial growth. He also emphasizes his elevated status compared to other rappers who are not as successful as him.

The chorus indicates that if Lil Baby likes someone, they are lucky as he can change their life drastically. He mentions that he is constantly working hard, both in the present and in the future (2040), and is dedicated to maintaining his success. The line "I'm the same way if I'm with fifty niggas who be killin' or I'm by my lonely" suggests that he remains true to himself regardless of the company he keeps.

Lil Durk, in the second verse, continues the theme of success and wealth. He talks about his financial accomplishments, paying lawyers, and buying expensive cars. He also references the violence associated with his lifestyle, stating that he has shooters around him to protect him. The lyrics touch on the notion that he is willing to do whatever it takes to ensure his safety and maintain his status.

Overall, "2040" portrays both Lil Baby and Lil Durk as confident and ambitious individuals who have overcome obstacles to achieve success. The song highlights their dedication to their respective crafts and their refusal to change who they are despite their newfound fame and fortune.